2014 SGD to BAM Historical Review

YEARLY HIGH

1.2203 BAM

YEARLY LOW

1.1112 BAM

YEARLY AVERAGE

1.1638 BAM

2014 SGD to BAM Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2014

During 2014, the SGD to BAM exchange rate experienced significant fluctuation. The market reached its absolute peak on October 5, valuing the pair at 1.2203. Conversely, the yearly low was recorded on March 20, dropping to 1.1112.

This high-to-low spread represents a total annual volatility of 0.1091 BAM. From a start-to-finish perspective, comparing the January average rate of 1.1291 to the December average rate of 1.2075, the exchange rate registered a net change of 6.94% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2014 high of 1.2203 was down 0.91% compared to the 2013 peak of 1.2315, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 SGD based on timing:

Yearly Peak High 6,101 BAM

2013 Average 5,891 BAM

Yearly Trough Low 5,556 BAM

Transaction Impact: A difference of 545.37 BAM purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2014.

1.2205

1.1075

JanuMarcMayJulySeptNove

SGD to BAM Seasonal Trends & Volatility Analysis

A structured review of seasonal halves, trading extremes, consecutive streaks, and historical baselines.

Seasonal Halves (H1 vs H2)

Seasonal

The average exchange rate in the first half of the year (H1: Jan–Jun) was 1.1325, compared to 1.1950 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 0.0624 points.

H1 Avg (Jan–Jun) 1.1325

H2 Avg (Jul–Dec) 1.1950

Volatility Range Comparison

Volatility

The most volatile month in 2014 was August, with a trading range of 0.0272 BAM (High: 1.1930 / Low: 1.1659). On the other end, April was the most stable month, with a tight range of 0.0097 BAM (High: 1.1344 / Low: 1.1246).

August Spread (Volatile) ±0.0272

April Spread (Stable) ±0.0097

Growth Streaks & Declines

Trends

Between March and October, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 7 straight months. Conversely, the sharpest month-over-month decline occurred between February and March, when the average rate fell by 0.0145 points.

Longest Streak 7 Mo.

Sharpest MoM Drop -0.0145

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (October 2014: 1.2111) against the same month in 2013 (average: 1.1540), the exchange rate shifted by +0.0571 (+4.94%).

2014 Avg (October) 1.2111

2013 Avg (October) 1.1540

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	1.1364	1.1182	1.1291
February	1.1403	1.1231	1.1314
March	1.1303	1.1112	1.1170
April	1.1344	1.1246	1.1295
May	1.1463	1.1255	1.1383
June	1.1571	1.1432	1.1501
July	1.1739	1.1482	1.1622
August	1.1930	1.1659	1.1769
September	1.2133	1.1896	1.2014
October	1.2203	1.2015	1.2111
November	1.2200	1.1968	1.2109
December	1.2186	1.1951	1.2075